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Bottom Line Up Front 

  • Use digital banking tools like notifications to stay on top of when your money is coming in and where it's going.
  • Set up Bill Pay to easily pay external billers; consider automating payments so they're on time, every time.
  • Manage Navy Federal bill and loan payments by setting up recurring internal transfers. 
  • Use Card on File to securely connect your account to online merchants.

As the popularity of streaming services, apps and other subscription services grows, it can be a challenge to keep track of all the related payments and accounts. Set yourself up for success by using all the tools available to help you track your money. Mobile* and online banking tools can help you easily automate, organize and access transactions and accounts from anywhere.

Digital Statements

One of the most important parts of this is setting up a successful budget to understand where and when money is deposited and withdrawn from your accounts. Using mobile or online banking, review past statements and note when recurring bills are due. Check for times of the month you routinely run low or experience shortfalls. Look for spending habits—do you overspend the week after your paycheck is deposited only to come up short at the end of the pay period? Refer to the past as you plan your budget if you want to ensure success in the future.

Automatic Bill Pay and Transfers

With that information in mind, you can set up automatic payments and transfers to handle bills and other payments. If you have a mortgage through Navy Federal, using HomeSquad (our online mortgage portal) to set up automatic payments is your best bet. For other Navy Federal loans, such as credit cards, you can use the Transfers feature in digital banking to schedule recurring transfers up to a year in advance.

For external bills, such as utilities and subscriptions, use Bill Pay, which allows you to set up payees (like your landlord) and to easily make payments from your mobile device.* By using this guidance to set up how you digitally pay your bills, you can avoid making late payments while also sticking to your budget.

Card on File

Navy Federal Credit Union has a tool called Card on File that connects online merchants to your card and allows you to manage everything in one place. You can track your subscriptions and payments and quickly update your payment info when a card is reissued. If you want to switch payments to a new debit or credit card, you don't need to sign into each merchant separately to make the update—simply update your payment preferences from Card on File.


Keep your budget on the rails with personalized notifications. Choose ones that will help you to make payments on time, notify you of a low balance or let you know if an account has reached a certain limit. Whatever method works for you—email, text or mobile push notification—these reminders are critical to keeping an eye on your budget.

Using mobile and online tools like Bill Pay, alerts and notifications, and Card on File puts you in control of your recurring payments and subscriptions, making you a total pro.

This article is intended to provide general information and shouldn't be considered legal, tax or financial advice. It's always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.